> All of those except for therapy are awful career fields. Musicians, actors, artists (outside the tip top of the field) are all the butt of jokes about how broke they are.

If you're aiming for the top, sure. There are plenty of people who make a living doing stuff like that and are happy because they enjoy it. You're unlikely to be one of those people if you move to an area where there's an extreme over-supply and try to "make it big", or try to be "pure" to the art and eschew commercial options. e.g. An actor in LA, the starving artist in a loft in NY.

> Therapist might make out well for a bit, but it seems like a loaded term these days .

Loaded how? I was thinking of psychologists, licensed mental health professionals, physical, occupational, and speech therapists.